The intense rainstorms sweeping in from the Pacific Ocean began to pound central California on Christmas Eve in 1861 and continued virtually unabated for 43 days. The deluges quickly transformed rivers running down from the Sierra Nevada mountains along the state’s eastern border into raging torrents that swept away entire communities and mining settlements. The rivers and rains poured into the state’s vast Central Valley, turning it into an inland sea 300 miles long and 20 miles wide. Thousands of people died, and one quarter of the state’s estimated 800,000 cattle drowned. Downtown Sacramento was submerged under 10 feet of brown water filled with debris from countless mudslides on the region’s steep slopes. California’s legislature, unable to function, moved to San Francisco until Sacramento dried out—six months later. By then, the state was bankrupt.

A comparable episode today would be incredibly more devastating. The Central Valley is home to more than six million people, 1.4 million of them in Sacramento. The land produces about $20 billion in crops annually, including 70 percent of the world’s almonds—and portions of it have dropped 30 feet in elevation because of extensive groundwater pumping, making those areas even more prone to flooding. Scientists who recently modeled a similarly relentless storm that lasted only 23 days concluded that this smaller visitation would cause $400 billion in property damage and agricultural losses. Thousands of people could die unless preparations and evacuations worked very well indeed.